How do I dispute an inquiry??

How do I dispute an inquiry??

There are 2 inquiries from the same company on my reports that I have never worked with and I want to get them deleted. I noticed Equifax allows me to dispute that information online, but the other 2 bureau's I can not find any easy way to do it. Is through the mail the only way?

Re: How do I dispute an inquiry??

nicktheman wrote: Why should you never dispute an inquiry through a CRA?

You'll get hit with a fraud alert. IMO, I'd dispute via mail if I suspected identity theft, but if there's a TL reporting as a result of that inquiry, then there's a chance that TL will either be deleted or the account closed.

Re: How do I dispute an inquiry??

No, it actually is a good thing if there's a chance for ID theft and the like. No impact on your score at all. It is just a pain in the butt if it were added and you weren't expecting it. It also makes it harder to app for credit and can be difficult to remove. IMO, if the inquiry isn't yours, then go for it. Just make sure that there's no TLs reporting as a result of that inquiry.

Re: How do I dispute an inquiry??

"If it is a CA send them a DV for an UNKNOWN debt"

What is this? I just had something show up on my credit report for the first time that isn't mine, and have no idea how to proceed. Any detailed steps? Totally confused. Anderson Financial is the one trying to collect.

Re: How do I dispute an inquiry??

Jamistar313 wrote:

"If it is a CA send them a DV for an UNKNOWN debt"

What is this? I just had something show up on my credit report for the first time that isn't mine, and have no idea how to proceed. Any detailed steps? Totally confused. Anderson Financial is the one trying to collect.

Re: How do I dispute an inquiry??

If you wish to dispute an inquiry direclty with the person who submitted the inquiry, they can simply dismiss it without any need to respond on the merits.

Issues relating to credit inquiries are specifically exempt from the direct dispute process. 16 CFR 660.4(b)(iii). Disputes of inquiries are only provided by way of a dispute with the CRA.

Disputing inquiries through the CRA is difficult, primarily because of the way the inquiry process works.

When a party makes a request for a consumer's credit report, they must provide a certification under FCRA 604(f) and 607(a), providing one or more of the permissible purposes set forth in section 604.

The CRA accepts the truthfulness of such self-certifications, so has their behind covered in providing them your CR. To challenge the permissible purpose, you must find out what was provided to the CRA, and then challenge its accuracy. If the CRA simply relies on the submitted certification, they can verify under their own reinvestigation authority.

A real catch-22.

You can submit a request for the certification provided to the CRA by sending the CRA an information request under section 609(a)(1) and (2), which entitles the consumer to any information in their credit file. Then you would have factual information upon which to challenge accuracy of the inquiry.

Its a long process, and by the time concluded, the inquiry will most likely no longer be included in credit scoring.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.